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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $257,478 | $175,231+46.9% | $149,696+72.0% | $139,466+84.6% |
| Participation rate | 93.3% | 83.4%+9.9pp | 78.8%+14.6pp | 80.3%+13.0pp |
| Annual return | 25.75% | 166.77%-141.0pp | 134.46%-108.7pp | 373.66%-347.9pp |
| Employer contribution / active EE | $2,171 | $5,478-60.4% | $4,821-55.0% | $4,754-54.3% |
| Participant deferral / active EE | $7,728 | $6,521+18.5% | $5,682+36.0% | $6,712+15.1% |
| Admin fee / account holder | $665 | $16,155-95.9% | $13,212-95.0% | $11,409-94.2% |